• 2010:

    Incentives are created for primary care doctors, nurses and physician assistants, including loan repayments for those working in underserved areas.

    Federal grants are available to help states hold insurance companies accountable for rate hikes.

    The law provides increased payment to rural health care providers to help them continue to serve their communities. 

    Federal funding is available to support construction of new community health centers as well as expanding existing ones.

    March 23, 2010:

    Small businesses with lower and middle-income employees are eligible for tax credits when they provide health insurance to their employees. The credit is up to 35% of the employer’s contribution to the employees’ insurance.  Non-profits are eligible for 25%.

    April 1, 2010:

    States are able to receive matching funds for covering additional low-income individuals and families under Medicaid.

    June, 2010:

    Seniors that hit the Medicare prescription drug doughnut hole (gap in prescription drug coverage once they spent a certain amount out of their pocket) started to receive a one-time tax-deductible $250 rebate check. The checks continued throughout 2010.

    July 1, 2010:

    Healthcare.gov launches to provide easy-to-navigate information to Americans about health insurance options.

    The Pre-existing Condition Insurance Plan offers coverage to people who have been uninsured for 6 months because of a pre-existing condition.

    September 23, 2010: 

    Children under the age of 19 can no longer be denied coverage due to a pre-existing condition.

    Young adults can remain on their parents’ health insurance plan until the turn 26.

    Insurance companies are prohibited by law from dropping your insurance coverage when you get sick.

    The cap on the total lifetime benefits you may get from your insurance company are eliminated.

    Under federal law consumers can now appeal denials or limits on coverage or claims by their insurance companies.

    Federal grants are available to states to expand programs that help consumers navigate the private insurance system.

    All new insurance plans must cover certain preventative services including mammograms and colonoscopies without charging a co-pay or deductible.

  • January 1, 2011:

    Free preventative services are available to seniors.

    The majority of premium dollars must be spent on health care (At least 85% of all premium dollars collected by insurance companies for large employer plans and 80% for individual and small employer plans).

    Seniors who reach the coverage gap will receive a 50% discount when buying Medicare Part D covered brand-name prescription drugs.

    October 1, 2011:

    The Community First Choice Option allows states to offer home and community-based services to disabled individuals through Medicaid.

  • 2012:

    New and ongoing Federal health programs will start collecting and reporting racial, ethnic and language data to help understand and reduce persistent health disparities.

    October 1, 2012:

    Billing will be standardized to require health plans to adopt secure, confidential, electronic exchange of health information.

  • January 1, 2013:

    Obamacare provides new funding to state Medicaid programs that choose to cover preventive services for patients at little or no cost.

    October 1, 2013:

    States will receive two more years of funding for the Children’s Health Insurance Plan to continue coverage for children not eligible for Medicaid.

  • January 1, 2014:

    Discrimination due to pre-existing conditions or gender are prohibited.

    Annual Limits (a cap on the benefits your insurance company will pay in a year) are prohibited for new health insurance plans.

    Insurance companies will not be able to drop people that participate in clinical trials from coverage.

    Tax credits and subsidies are available to help middle class people (between 100% and 400% of the poverty line) buy insurance coverage in new state Health Insurance Exchanges.

    Affordable Health Insurance Exchanges (competitive, easy-to use insurance marketplaces) are established for individuals, small business and families to purchase coverage.  Members of Congress will also purchase insurance through their state’s exchange.

    The small business tax credit that went into effect in 2010 will increase to up to 50% of the employer’s contribution to an employee’s premium.

    Medicaid will be available to Americans that earn less than 133% of the poverty level.

    Most individuals who can afford it will be required to obtain basic health insurance coverage or pay a fee to help offset the costs of caring for uninsured Americans.  If affordable coverage is not available to an individual, he or she will be eligible for an exemption.

    Workers that meet certain requirements who cannot afford the coverage provided by their employer may take whatever funds their employer might have contributed to their insurance and use these resources to help purchase a more affordable plan in the new health insurance Exchanges.

    January 1, 2015:

    Physicians will be paid on the quality of care, not the volume.